The Jones' have $72,000 in savings available for upfront costs on a home purchase. They qualified for a 30-year mortgage at 5.5 percent APR. The also expect closing costs to total $3,000. They have budgeted $2,685 per month to allocate to housing costs, including monthly nonfinancing costs of $150 for homeowner's insurance, $585 for property taxes, $130 for repairs and $60 for maintenance. What is the maximum they can afford to pay for a home? $309,974 $381,974 $378,974 $541,887